First off thanks for reading my post. Like many of us have experienced 2008 was a HORRIBLE year. Lost my decent paying job down to nothing for a while then making half of what I was before. Did what many people did and that was max out my credit cards, tried to keep up with the minimums for a little while then couldnt afford that. Went into collections and then I stuck my head in the sand, I pulled my head out once with debt consolidation for a few months in 2009 and couldn't afford that either. I have had my head in the sand ever since because none of the collection agencies were willing to accept what I could afford to pay them. I pulled my credit report since I got declined from a job almost immediately after my background interview. Then I found this web site. I noticed on my report that all of my credit card debt lists "charge off" and appears under something else with a collection agency. I am assuming that means it was sold to a junk debt buyer. An example of what is on my report. Original Creditor: Capital One Payment Status: Charge Off Account Type: Credit Card Credit Limit: 500.00 Date Open:6/1/2008 Last update: 8/1/2009 New Creditor: Portfolio Recovery & Affiliates Payment Status: seriously past due date/ assigned to attorney, collection agency, or credit grantors internal collection department Account type: collection account Balance $1284 Date open: 02/01/2013 Last Update: 05/01/2013 So I know the statute of limitations on revolving debt in Idaho is 4 years. I believe this one can easily be fought since I quit paying on that prior to 8/1/2009. One of my main questions is can I still do the validation process after the 30 day period as stated in the law? I have a few other things on my report that are just as similar to this example. any advice would be great!